Client Experiences
What Clients Have Shared with Us
These accounts come from individuals and families who came to us with pension and EPF concerns. Their words are their own.
Back to Home340+
Clients Assisted
8
Years in Practice
4.7
Average Client Rating
91%
Matter Resolution Rate
Client Feedback
In Their Own Words
Zulaikha binti Hassan
Shah Alam, Selangor · May 2025
My EPF withdrawal was declined without much explanation, and I honestly did not know what to do next. Ahmad explained the reasons clearly and told me what documentation was needed to appeal. The whole process took about six weeks. The outcome was not certain from the start, which I appreciated — at least I knew what I was working with.
Tan Kiat Seng
Petaling Jaya, Selangor · April 2025
My father is in his seventies and his public service pension had not been updated after his second wife passed away. Sandaran handled the survivor entitlement paperwork and coordinated with the pension body on his behalf. My father found the sessions unhurried, which mattered a lot at his age. It took slightly longer than we had hoped, but we were kept updated throughout.
Roshaidah bt Mahmud
Ampang, Kuala Lumpur · May 2025
I came in for the Pension Understanding Session because I was approaching 55 and wanted to know where I stood before making any withdrawal decisions. The written summary I received afterwards was genuinely useful — I shared it with my accountant and it saved a lot of back-and-forth. I have since referred two colleagues who are in similar situations.
Krishnamurthy Velan
Seremban, Negeri Sembilan · April 2025
My wife and I both have separate retirement entitlements from different employment histories, and it was getting confusing to manage on our own. The Whole-Family Pension Care service brought everything into one picture. We now have a dossier that our children can refer to, which was something I had been meaning to sort out for years.
Norhaslinda bt Fauzi
Klang, Selangor · May 2025
I was nervous about engaging a legal firm because I expected it to be very formal and expensive. Sandaran was neither. The fee was stated upfront and the conversation felt more like a patient explanation than a formal appointment. I left with a much clearer sense of what I could do about my delayed pension payment.
Abdul Shukor bin Idris
Bandar Baru Bangi, Selangor · May 2025
Retired civil servant here. My pension application was stuck for almost four months and I had no idea why. After engaging Sandaran for the dispute service, they identified a missing document that had not been flagged to me at all. Once that was submitted, the pension was processed within three weeks. Simple issue in the end, but I would never have known without them.
Case Studies
How Matters Were Resolved
These accounts illustrate typical cases, with identifying details adjusted for confidentiality.
Case Study 01 — EPF Withdrawal Declined, Age 60 Tier
The Challenge
A retiree in Subang Jaya had her EPF age-60 withdrawal declined. The letter cited an unresolved discrepancy in her employment records, which she did not recall raising with KWSP previously. She had already waited three months before seeking help.
What Was Done
Sandaran reviewed the decline notice and traced the discrepancy to an old employer name change that had not been updated in the KWSP system. Supporting documents from the employer were obtained and a formal written submission prepared and submitted to KWSP through the appropriate appeal channel.
The Outcome
The withdrawal was approved five weeks after the submission. The full amount was disbursed without reduction. Total engagement: approximately eight weeks from first consultation to resolution.
Case Study 02 — Survivor Pension Documentation for a Widower
The Challenge
A 72-year-old retired civil servant in Kuala Lumpur had been receiving only a portion of his deceased wife's survivor pension since her passing. His adult son noticed the discrepancy and brought the matter to Sandaran on his father's behalf.
What Was Done
A review of the pension body's records revealed that the survivor entitlement had been calculated against an outdated service record. Sandaran compiled the necessary documentary evidence and submitted a formal request for re-assessment. The son was copied on all correspondence and kept informed throughout.
The Outcome
The pension body issued a corrected pension payment notice within ten weeks. The revised monthly amount was approximately 28% higher than what had been received. Arrears were paid from the date of the submission.
Case Study 03 — Whole-Family Pension Care, Multi-Scheme Household
The Challenge
A Klang Valley couple, both nearing retirement, held entitlements across three different schemes — KWSP, KWAP, and a private pension arranged through a former employer. They had not coordinated these schemes previously and were unsure how to proceed without inadvertently triggering tax implications or missing withdrawal windows.
What Was Done
Sandaran reviewed each scheme separately, then prepared a consolidated picture of the household's total retirement position. Withdrawal sequencing was discussed and options laid out clearly. Survivor documentation was prepared for both spouses. A dossier was compiled covering all three schemes, structured for the couple's adult children to understand and act on if needed.
The Outcome
Both spouses completed their primary withdrawals within the most suitable windows as identified during the engagement. The family dossier was finalised and delivered approximately 12 weeks after the initial consultation. No disputes were involved in this case — the value was in the clarity provided.
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Contact Sandaran
Address
Suite 3A-7, Plaza Sentral
KL 50470
Hours
Mon–Fri: 9am–5:30pm
Sat: 9am–1pm
Professional Standing
Credentials and Memberships
Malaysian Bar Members
All practising advisors registered and current with the Malaysian Bar
PDPA Registered Processor
Client data handled under Malaysia's Personal Data Protection Act 2010
Retirement Law Network
Active member of the professional network for pension law practitioners in Malaysia
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